The maximum loanable amount of general provident fund loans is 6,543,800 yuan, of which the loanable amount of single deposit employees does not exceed 500,000 yuan.
The calculation method of the loanable amount of provident fund is as follows:
1, calculated by account balance. The first method is to calculate according to the account balance of housing provident fund. The loan amount cannot exceed 65,438+00 times of the account balance. If the loan is for both husband and wife, it cannot exceed 10 times of the total balance of two provident fund accounts. Less than 20,000, calculated as 20,000.
2. according to the maximum. If the individual has cut off the provident fund, the loan from the provident fund cannot exceed 400,000 yuan, and the loan from the husband and wife provident fund cannot exceed 600,000 yuan. If the provident fund is not cut off, the maximum loan is 500,000, and the maximum loan for both husband and wife is not more than 700,000;
3. Calculated according to repayment ability. The amount of provident fund loan is (monthly deposit, legal retirement age, total number of months, balance of provident fund account).
The loan amount of individual housing provident fund depends on the borrower's repayment ability and comprehensive qualification, as well as the balance of housing provident fund account, housing appraisal value, local market conditions and other factors.
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
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How much can the provident fund loan borrow?
The policies in each region are different, so the loan amount is different. Consult the local provident fund center for details.
If it is a Shenzhen housing provident fund loan. The loanable amount of the provident fund loan is 12 times of the balance of all applicants' housing provident fund accounts participating in the quota calculation, and the following requirements are met: the monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund deposit base. The loan amount is not higher than the difference between the total purchase price and the down payment. The loan amount is not higher than the maximum amount of a single housing provident fund loan. The applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for the provident fund loan.
Provident fund is the fee paid by the employer to the employees of the company. Mainly used for employees to buy or rent a house. If you don't buy a house, you can withdraw cash, which is always very convenient. When we buy a house, when we use the provident fund to buy a house, not only can we not deduct it, but the amount of our loan is still relatively high. Of course, the amount of provident fund loans should be implemented in accordance with the announcement issued by the local provident fund center. There is no rule that we can borrow as much as we want. However, people with provident fund have less repayment pressure and less pressure to buy a house than those without provident fund, which can be assured.
In addition, our newly graduated students don't have much money, but they have to rent their own houses, live and buy things to eat, so most of them ask their parents for money, but renting a house takes up most of the money in our lives, so if the company pays us the provident fund, even if we rent a house, we can use the money in the provident fund account to deduct it, which can alleviate the life pressure of our newly graduated college students.
What is the maximum amount of personal provident fund loans?
At present, the latest policy is that, in principle, the loan amount is 10 times of the balance of housing provident fund, but individuals can only borrow 300,000 at most, and couples can only borrow 500,000. I hope I can help you. The maximum amount does not refer to the amount you can bring, but is related to the contract price of the house and the individual's monthly deposit. For example, a user of the municipal provident fund can bring a maximum of 800,000 deposits per month, but if the contract price of the house purchased by the customer is very low, it cannot bring the maximum. City provident fund: the maximum amount is 800,000, and the normal amount is 800,000. After rating, it is 880,000.96 million, 1.04 million.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
What is the maximum amount of provident fund?
Individuals usually pay the housing provident fund normally, so the maximum amount of provident fund loans is 500 thousand yuan; If the spouse housing provident fund is used to apply for provident fund loans at the same time, and the spouse housing provident fund is also paid normally, then the maximum amount is 700,000 yuan.
The maximum amount of housing provident fund depends on the situation. The details are as follows: the upper limit of employees' contribution to provident fund is calculated by multiplying the maximum annual salary base by the maximum contribution ratio 12%. To purchase commercial housing and withdraw housing accumulation fund, the following information shall be provided:
1. receipt of down payment within one year (with original copy on A4 paper);
2. A copy of the commercial housing sales contract registered by the property right department within one year;
3, the applicant to extract the application;
4. The applicant's ID card, with the original and a copy of A4 paper;
5. Fill in the unit name and employee name in the application for housing provident fund withdrawal. The withdrawal amount should be left blank first, and each page should be stamped with the official seal of the unit.
If the spouse withdraws the housing accumulation fund at the same time for this reason, it is also necessary to provide proof of the spouse relationship with the purchaser, a marriage certificate or household registration book that can prove the above relationship, bring the original and copy it on A4 paper.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. It has universality, compulsion, welfare and recyclability.
The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for employees' retirement or other specified circumstances. It embodies the stability, unity, standardization and compulsion of housing provident fund.
Legal basis: Regulations on the Management of Housing Provident Fund
Ninth housing provident fund management committee shall perform the following duties in the management of housing provident fund:
(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;
(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;
(three) to determine the maximum loan amount of housing provident fund;
(four) approval of housing provident fund collection and use plan;
(five) to consider the housing provident fund value-added income distribution plan;
(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.
How much can the provident fund borrow at most?
Provident fund loans can be borrowed 500 thousand.
Generally, one person applies for a housing provident fund loan with a maximum loan amount of 500,000, and two or more people apply for a housing provident fund loan with a maximum loan amount of 800,000.
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan, and the maximum amount of housing provident fund loans in Beijing is 800,000 yuan. If the rating is 3A, it can reach 800,000 (130%) =1040,000.
Information on handling housing provident fund loans:
(1) Employee's and spouse's ID card, original household registration book, original marriage certificate or marital status certificate, and housing provident fund card.
(2) The original sales contract (the purchase of second-hand houses must also provide the house ownership certificate, state-owned land use certificate, People's Republic of China (PRC) and deed tax payment certificate).
(3) The down payment certificate issued by the selling unit.
(4) The letter of commitment signed by the borrower and the letter of commitment that the loan bank can inquire and print the personal credit report through the credit information system of the People's Bank of China.
What is the upper limit of provident fund loan?
1. What is the upper limit of Kunshan provident fund loan?
First loan: the maximum amount of family loan is 700,000 yuan; The maximum personal loan is 450,000 yuan. Second loan: the maximum amount of family loan is 500,000 yuan; The maximum personal loan is 300,000 yuan.
If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
Second, Kunshan provident fund loan conditions
1. Loan applicants and personnel involved in calculating the loanable amount. * * * The same loan applicant has paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the individual housing provident fund account is in a normal payment state at the time of application;
2. No provident fund loan balance;
3. Apply for provident fund loans for the first time or for the second time;
4. Purchase newly-built ordinary houses within the scope of Suzhou City, and the purchased houses belong to real estate development enterprises, and have gone through the real estate filing procedures according to regulations;
5. The down payment for house purchase shall not be less than the specified proportion;
6. Be able to implement loan guarantee.